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If you have employees, you need Employment Practices Liability Insurance

As a business owner, you strive to be fair and non-discriminatory in your employment practices. However, even a simple misunderstanding could expose you to an employee-related claim or allegation such as sexual harassment, discrimination, abuse or wrongful termination.

Consider this:

  • Over the past 20 years, employee lawsuits have risen by 400%!
  • Employment-related lawsuits are the fastest-growing type of civil case in the U.S.
  • The financial damage of employee lawsuits can be dramatic. The cost of settling out of court averages $75,000 and the average jury award is $217,000 if you go to court and lose!
  • Average court costs and legal defense fees can reach as high as $200,000 and resolution may take 18 to 24 months.

Contact a Mountain Insurance business insurance adviser to review your exposures and provide the best coverage for you.

The simple way to access the best Employment Practices Liability Insurance options in Denver.

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Most common Denver Employment Practices Liability questions from our clients

I only have a few employees, why would I need this?

More than 40% of all EPL claims are filed against private employers with less than 100 employees. Studies show an employer is more likely to have an EPL claim than a general liability or property loss.

What are some examples of EPL claims?

Whistleblowing, retaliation, improper background checks, discrimination (pregnancy, disability, gender, age), wrongful termination, third party discrimination and harassment, and unpaid interns.

How much does EPL Insurance cost?

Many insurance companies offer some EPL Insurance as an endorsement to a Business Owners Policy for as little as $300 annually. While some coverage is better than none it is best to have a Mountain Insurance adviser determine the right amount of coverage for you.

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